FR-44 Coverage Info
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FR-44 Insurance Requirements for Florida and Virginia

Compare FR-44 coverage requirements, carrier options, and filing procedures across 2 states.

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How It Works

  1. Enter Your Basic Driver Details

  2. Get matched with carriers licensed to write FR-44 policies in Florida or Virginia

  3. Choose your coverage, and your insurer files the FR-44 certificate directly with your state DMV

Coverage Options

Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.

An open black mailbox with its red flag raised holds a white envelope, mounted on a post beside a residential street at dusk, with a car and lit house blurred in the background.FR-44 InsuranceRequired in Florida and Virginia after certain DUI/DWI convictions to reinstate driving privileges. Florida mandates 100/300/50 liability limits while Virginia requires 50/100/40 — both significantly higher than standard state minimums.An open black mailbox on a wooden post with a raised red flag holds a large brown envelope, with a silver car parked in a driveway and a house blurred in the background at dusk.Non-Owner FR-44Provides FR-44 liability coverage for drivers who do not own or regularly operate a vehicle but need license reinstatement. Premiums typically range 30-50% lower than standard FR-44 policies because no vehicle is insured.A bearded man in a gray long-sleeve shirt and tan pants sits in a vehicle's driver seat, pulling the seat belt across his chest toward the buckle.Liability InsuranceCovers bodily injury and property damage you cause to others in an accident. FR-44 policies require liability limits of 100/300/50 in Florida and 50/100/40 in Virginia, compared to 10/20/10 standard minimums in Florida.A woman with shoulder-length brown hair sits in a vehicle's driver seat behind the steering wheel, holding a phone to her ear, seen through the windshield.SR-22 InsuranceCertificate of financial responsibility required in 49 states for high-risk drivers, but not accepted in Florida or Virginia. These two states require the more stringent FR-44 filing instead for DUI/DWI offenses.Driver's point of view at night, with two hands gripping a steering wheel in front of an illuminated instrument cluster and a dark road with oncoming lights through the windshield.Uninsured Motorist CoverageProtects you when hit by a driver with no insurance or insufficient coverage. Required in Virginia as part of all auto policies including FR-44, while Florida offers it as optional coverage.

Recent Articles

An open black mailbox with a red flag on a weathered wooden post beside a paved driveway, with a dark sedan parked in the blurred background at dusk.7/13/2026Florida FR-44 Insurance RequirementsFlorida FR-44 requires 100/300/50 liability limits for DUI offenders, filed through your carrier for 3 years. Compare carriers writing FR-44 in Florida.A man in a dark work jacket sits in a vehicle's driver seat, looking down while pulling the seat belt across his chest, with a steering wheel in the foreground and a cargo barrier behind him.6/11/2026Georgia FR-44 Search RedirectGeorgia doesn't use FR-44. After a DUI you need an SR-22 for 3 years, and these carriers write it.A bearded man in a dark button-up shirt sits at a wooden desk using a laptop, with rolled and flat drawings, a notebook and a dark mug nearby, beside a large window showing conifer trees at sunset.5/27/2026FR-44 vs SR-22 Filing | Florida & VAFR-44 requires 100/300/50 limits in FL and 50/100/40 in VA. SR-22 covers standard minimums. Filing the wrong form resets your suspension clock.An open black mailbox with a raised red flag on a weathered wooden post, holding a white envelope, with a blurred SUV, gravel driveway and house with lit windows behind it at dusk.5/27/2026FR-44 Filing Period | Florida & VirginiaFlorida counts FR-44 from reinstatement, Virginia from conviction. Skip the guesswork and check your start date.
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Frequently Asked Questions

What is FR-44 insurance and who needs it?

FR-44 is a certificate of financial responsibility required in Florida and Virginia after certain DUI or DWI convictions before license reinstatement. It proves you carry liability insurance at limits significantly higher than state minimums: 100/300/50 in Florida and 50/100/40 in Virginia.

How long do I need to maintain FR-44 coverage?

Florida requires FR-44 filing for 3 years from the conviction date, while Virginia typically requires 3 years from license reinstatement. Your insurance carrier must maintain continuous filing with the DMV throughout this period — any lapse triggers immediate license suspension.

Can I get FR-44 insurance without owning a car?

Yes, non-owner FR-44 policies provide the required liability coverage and DMV filing for drivers who do not own or regularly operate a vehicle. These policies meet reinstatement requirements while covering you when driving borrowed or rental vehicles.

What happens if my FR-44 policy lapses?

Your insurance carrier immediately notifies the DMV of any coverage cancellation or lapse. The DMV suspends your license and extends your FR-44 requirement period, often adding the full 3-year term from the new reinstatement date.

What is the difference between FR-44 and SR-22?

FR-44 requires higher liability limits than SR-22 and is only mandated in Florida and Virginia for DUI/DWI offenses. SR-22 is used in 49 other states for various violations, while Florida and Virginia use the more stringent FR-44 for alcohol-related convictions.

Which insurance companies offer FR-44 filing?

Only carriers licensed and authorized to file FR-44 certificates in Florida or Virginia can provide this coverage. Not all major insurers offer FR-44 policies, and fewer still provide non-owner FR-44 options, making carrier comparison essential.